Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
E87145
The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 is a U.S. federal law that deregulated interstate banking by allowing bank holding companies and banks to expand and operate branches across state lines, reshaping the national banking landscape.
All labels observed (2)
How this entity was disambiguated
This entity first appeared as the object of triple T661764 — resolving that mention is where its identity was fixed. The disambiguator weighed these candidate entities and picked the highlighted one (or “None”, minting a new entity). This is how homonymy is resolved: the same surface form can point to different entities.
NED1
Entity disambiguation (via context triple)
gpt-5-mini-2025-08-07
Target entity: Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 Context triple: [Community Reinvestment Act, amendedBy, Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994]
-
A.
Federal Deposit Insurance Corporation Improvement Act of 1991
The Federal Deposit Insurance Corporation Improvement Act of 1991 is a U.S. banking law enacted in response to the savings and loan crisis that strengthened federal bank supervision, imposed prompt corrective action for troubled institutions, and enhanced the safety and soundness of the deposit insurance system.
-
B.
Financial Institutions Reform, Recovery, and Enforcement Act of 1989
The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 is a U.S. federal law enacted in response to the savings and loan crisis, overhauling the regulation of thrift institutions, strengthening enforcement powers, and restructuring federal deposit insurance.
-
C.
Bank Merger Act of 1960
The Bank Merger Act of 1960 is a U.S. federal law that established regulatory oversight and antitrust review of bank mergers to prevent undue concentration and protect competition in the banking industry.
-
D.
Gramm-Leach-Bliley Act of 1999
The Gramm-Leach-Bliley Act of 1999 is a U.S. federal law that overhauled financial regulation by repealing key parts of Glass-Steagall, allowing the consolidation of commercial banking, investment banking, and insurance services while imposing new consumer privacy and data protection requirements.
-
E.
Riegle Community Development and Regulatory Improvement Act of 1994
The Riegle Community Development and Regulatory Improvement Act of 1994 is a U.S. federal law aimed at promoting community development and financial services in underserved areas, notably by establishing the Community Development Financial Institutions (CDFI) Fund.
- F. None of above. chosen
- G. Unsure - the case is ambiguous/there is not enough information to decide.
NED2
Entity disambiguation (via description)
gpt-5-mini-2025-08-07
Target entity: Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 Target entity description: The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 is a U.S. federal law that deregulated interstate banking by allowing bank holding companies and banks to expand and operate branches across state lines, reshaping the national banking landscape.
-
A.
Federal Deposit Insurance Corporation Improvement Act of 1991
The Federal Deposit Insurance Corporation Improvement Act of 1991 is a U.S. banking law enacted in response to the savings and loan crisis that strengthened federal bank supervision, imposed prompt corrective action for troubled institutions, and enhanced the safety and soundness of the deposit insurance system.
-
B.
Financial Institutions Reform, Recovery, and Enforcement Act of 1989
The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 is a U.S. federal law enacted in response to the savings and loan crisis, overhauling the regulation of thrift institutions, strengthening enforcement powers, and restructuring federal deposit insurance.
-
C.
Bank Merger Act of 1960
The Bank Merger Act of 1960 is a U.S. federal law that established regulatory oversight and antitrust review of bank mergers to prevent undue concentration and protect competition in the banking industry.
-
D.
Gramm-Leach-Bliley Act of 1999
The Gramm-Leach-Bliley Act of 1999 is a U.S. federal law that overhauled financial regulation by repealing key parts of Glass-Steagall, allowing the consolidation of commercial banking, investment banking, and insurance services while imposing new consumer privacy and data protection requirements.
-
E.
Riegle Community Development and Regulatory Improvement Act of 1994
The Riegle Community Development and Regulatory Improvement Act of 1994 is a U.S. federal law aimed at promoting community development and financial services in underserved areas, notably by establishing the Community Development Financial Institutions (CDFI) Fund.
- F. None of above. chosen
Statements (47)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal law
ⓘ
banking law ⓘ |
| allows |
interstate acquisition of banks by bank holding companies
ⓘ
interstate branching by banks ⓘ |
| alsoKnownAs | Riegle-Neal Act ⓘ |
| amends |
Bank Holding Company Act of 1956
ⓘ
Federal Deposit Insurance Act ⓘ |
| appliesTo |
FDIC-insured banks
ⓘ
national banks ⓘ state-chartered banks that are members of the Federal Reserve System ⓘ |
| citation | 108 Stat. 2338 ⓘ |
| containsProvision |
branching across state lines through mergers
ⓘ
community reinvestment and consumer protection standards for interstate banks ⓘ host state law applicability to interstate branches ⓘ interstate bank mergers ⓘ |
| country |
United States of America
ⓘ
surface form:
United States
|
| dateEnacted | September 29, 1994 ⓘ |
| effect |
deregulation of interstate banking restrictions
ⓘ
facilitation of nationwide banking organizations ⓘ preemption of many state barriers to interstate branching ⓘ |
| enactedBy | United States Congress ⓘ |
| historicalContext | followed savings and loan crisis reforms of the late 1980s and early 1990s ⓘ |
| impact |
accelerated consolidation in the U.S. banking industry
ⓘ
reduced importance of state geographic restrictions on banking ⓘ reshaped U.S. banking structure toward nationwide institutions ⓘ |
| jurisdiction |
United States of America
ⓘ
surface form:
United States
|
| language | English ⓘ |
| legislativeBody | 103rd United States Congress ⓘ |
| limits | concentration of banking resources through deposit caps ⓘ |
| namedAfter |
Alfonse M. D'Amato (Neal reference is sometimes associated with Rep. Stephen L. Neal)
ⓘ
Donald W. Riegle Jr. ⓘ |
| objective |
enhance safety and soundness of the banking system
ⓘ
increase efficiency of banking organizations ⓘ promote competition in banking markets ⓘ |
| permits | nationwide banking networks subject to certain conditions ⓘ |
| primarySubject |
branch banking
ⓘ
interstate banking ⓘ |
| publicLawNumber | Public Law 103-328 ⓘ |
| regulates |
bank holding companies
ⓘ
commercial banks ⓘ |
| relatedTo |
Gramm-Leach-Bliley Act of 1999
ⓘ
McFadden Act of 1927 ⓘ |
| requires | compliance with Community Reinvestment Act for interstate expansion ⓘ |
| signedBy | Bill Clinton ⓘ |
| subjectArea |
bank supervision
ⓘ
financial regulation ⓘ |
| yearEnacted | 1994 ⓘ |
How these facts were elicited
The pipeline generated the facts above by prompting gpt-5.1 with this entity's name + description and the instruction below.
Instruction
You are a knowledge base construction expert. Given a subject entity and a description of it, return factual statements that you know for the subject as a JSON list of dictionaries(triples), where keys must be "subject", "predicate" and "object". The number of facts may be very high, between 25 to 50 or more, for very popular subjects. For less popular subjects, the number of facts can be very low, like 5 or 10. # Requirements - If you don't know the subject at all, return an empty list. - If the subject is not a named entity, return an empty list. - Include at least one triple where predicate is "instanceOf". - Do not get too wordy. - Separate several objects into multiple triples with one object.
Input
Subject: Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 Description of subject: The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 is a U.S. federal law that deregulated interstate banking by allowing bank holding companies and banks to expand and operate branches across state lines, reshaping the national banking landscape.
Referenced by (7)
Full triples — surface form annotated when it differs from this entity's canonical label.
Community Reinvestment Act
→
amendedBy
→
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
ⓘ
Donald W. Riegle Jr.
→
notableWork
→
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
ⓘ
Donald W. Riegle Jr.
→
sponsored
→
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
ⓘ
subject surface form:
Donald W. Riegle Jr.
subject surface form:
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
McFadden Act of 1927
→
relatedTo
→
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
ⓘ
this entity surface form:
Riegle–Neal Interstate Banking and Branching Efficiency Act of 1994
McFadden Act of 1927
→
partiallySupersededBy
→
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
ⓘ
this entity surface form:
Riegle–Neal Interstate Banking and Branching Efficiency Act of 1994